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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,971 | $81,233-69.3% | $155,567-83.9% | $80,874-69.1% |
| Participation rate | 71.4% | 66.2%+5.2pp | 78.2%-6.8pp | 67.6%+3.8pp |
| Annual return | 17.93% | 33.33%-15.4pp | 64.74%-46.8pp | 35.62%-17.7pp |
| Employer contribution / active EE | $2,112 | $3,101-31.9% | $4,674-54.8% | $2,756-23.3% |
| Participant deferral / active EE | $4,804 | $3,452+39.2% | $5,628-14.6% | $4,297+11.8% |
| Admin fee / account holder | $3,453 | $7,998-56.8% | $15,916-78.3% | $6,935-50.2% |